Best Cheap Auto Insurance in Springfield, Missouri (2024)

USAA offers the cheapest rates in Springfield, with minimum-coverage policies as low as $26 per month.

Jamie Johnson
Written byJamie Johnson
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Jamie Johnson
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Ashley Cox
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Daniel Roccato
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Updated March 26, 2024

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Springfield drivers can find competitive rates for full-coverage car insurance, which averages $203 per month – less than the Missouri state average of $235. But it's liability-only rates are more on par with the state average of $94.

The city's comparatively high accident rate could contribute to its higher liability insurance costs. Based on the most recent Springfield Police data available, the city has an accident rate of nearly 39 crashes per 1,000 residents.[1] A high population density is also likely a factor in Springfield's car insurance rates. More traffic congestion in an area can create more accidents and more insurance claims.

Location is just one factor that affects car insurance rates, so it's important to compare quotes from multiple insurers to find the most affordable coverage for your needs.

Quick Facts
  • USAA, State Farm, and Allstate are the cheapest car insurance companies in Springfield.

  • Springfield is the third-largest city in Missouri, with a population of 170,067. A city’s population size can affect auto insurance rates.

  • Springfield police recorded 6,572 accidents in 2022, but only 27 fatalities.

Best car insurance companies in Springfield

Auto insurance rates can vary substantially depending on the company you choose. All companies consider the same car insurance data, but each insurer uses its own formula for setting premiums.

The best auto insurance company for you will depend on your individual situation and needs. Here are some of the best options for Springfield drivers.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$50/mo

Consistently offering low rates on auto insurance, USAA is a good option for drivers with a clean record and anyone looking to insure a new vehicle. Membership is only available to active-duty service members, veterans, and their families.

Pros
  • High customer satisfaction ratings

  • Good option for insuring newer vehicles

Cons
  • Only available to active-duty service members, veterans, and their families

  • Limited in-person branch locations

Roy - March 21, 2024
Verified

My Review

USAA is the best.

Gary - March 18, 2024
Verified

Poor

Too darn high.

Gabrielle - March 16, 2024
Verified

Just Don't! Save Yourself!

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
Read our USAA review

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$31/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo

Known for its low rates and excellent customer service, State Farm offers a wide variety of discounts and is an affordable auto insurance option for teen drivers. Plus, the savings will last until they turn 25.

Pros
  • Teen drivers can save up to 25% via good student discount

  • Above-average customer satisfaction score from J.D. Power

Cons
  • Gap insurance not available

  • Not as many discounts as some competitors

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

Best insurer for good drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo

Allstate is consistently recognized for having good customer service and received an above-average J.D. Power rating for claims satisfaction. Good drivers can save up to 40% with DriveWise, a tool that tracks and rewards good driving behavior.

Pros
  • Good drivers can save up to 40% with DriveWise

  • Intuitive mobile app

Cons
  • Drivers with poor credit and a history of accidents may pay more

  • Below-average J.D. Power customer satisfaction rating in the Central region

Anitra - March 26, 2024
Verified

Fair

I'm not happy with the way they changed my policy. The price went from $122 to $401.

Palline - March 26, 2024
Verified

I feel discouraged

Customer service varies greatly depending on the agent.

Sherry - March 25, 2024
Verified

Happy Camper

Any time I call for clarification on a question, it's handled immediately and in a manner I can understand. I have confidence in the office I deal with and I am assured that I receive all my discounts.
Read our Allstate review

Cheapest liability-only car insurance in Springfield

Most states in the U.S. — including Missouri — require all drivers to purchase liability insurance. Liability-only insurance pays for damages to the other driver’s car and their medical costs if you’re involved in an accident. However, it won’t cover your hospital bills or pay to repair or replace your vehicle, so you should carefully consider your ability to pay out of pocket.

Most people opt for liability-only insurance as a way to save on insurance costs. In Springfield, liability-only coverage costs an average of $96 per month. Here are the cheapest liability policies in Springfield:

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA26
State Farm31
Allstate42
GEICO46
Safeco50
American Family53
Clearcover59
Progressive64
Shelter70
State Auto70
Nationwide74
Auto-Owners76
Travelers77
Liberty Mutual82
Midvale Home & Auto82
Direct Auto86
GAINSCO86
AssuranceAmerica96
The General97
Dairyland101
Bristol West119
Foremost131
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Springfield

If you’re looking for the most comprehensive coverage, full-coverage auto insurance is the way to go. A full-coverage policy includes liability, comprehensive, and collision insurance. 

Full coverage does cost more than a liability-only policy, but provides greater financial protection as it will pay to repair or replace your car in an at-fault accident. If you have an auto loan or lease, your lender or leasing company will require you to buy full coverage for your vehicle.

The average cost of full-coverage car insurance in Springfield is $203 per month. Here are the most affordable full-coverage policies in Springfield:

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA50
State Farm60
Allstate81
GEICO89
American Family101
Safeco110
Clearcover117
Progressive123
Travelers128
Nationwide133
Shelter134
Auto-Owners147
Midvale Home & Auto153
State Auto179
Direct Auto180
Liberty Mutual186
AssuranceAmerica194
GAINSCO206
The General235
Foremost276
Dairyland311
Bristol West339
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Missouri

Missouri law requires all drivers to carry liability insurance, and all drivers are required to show proof of insurance when registering their vehicle and license plate. Here are the minimum coverage requirements for Missouri drivers:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

Though not required by state law, you can choose to purchase the following additional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist

    This type of insure covers you if you’re involved in an accident with an uninsured driver.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury protection

    This coverage will pay for any hospital visits or funeral expenses if you or another passenger are injured in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    Collision insurance will pay to repair or replace your vehicle if it’s damaged in an auto accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This coverage pays to repair or replace your vehicle if it’s damaged in a storm, stolen, or broken into.

Cheapest car insurance for drivers with an incident

A variety of different factors determine what you pay for auto insurance, but your driving record is one of the biggest factors. Drivers with a clean record pay less than someone with a history of speeding tickets, driving under the influence, or at-fault accidents. A history of traffic violations means you’re a bigger risk to your insurance company.[3]

Find Car Insurance in Springfield, Missouri

Minimum-coverage rates start as low as $32/mo. for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket

Speeding may seem harmless, but it puts other drivers at risk. According to the National Highway Traffic Safety Administration (NHTSA), there were 12,330 speeding-related deaths in the U.S. in 2021.[4]

If it’s your first violation, a speeding ticket may have a minimal effect on your insurance rates. But a history of speeding tickets will cause your rates to go up, and these tickets can stay on your driving record for up to three years. If the ticket causes your license to be suspended or revoked, it’ll stay on your record for five years.[5]

In Springfield, the monthly average for liability-only is $138 for drivers with a speeding ticket. The following table shows rates from top insurers for drivers with speeding tickets in Springfield.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA6433
State Farm7639
Allstate10454
GEICO11559
American Family13269
Safeco15571
Clearcover16382
Progressive16586
Travelers168101
Nationwide17396
Shelter19099
Auto-Owners195101
Direct Auto240115
Liberty Mutual258114
GAINSCO259108
AssuranceAmerica269133
The General313129
Dairyland414134
Bristol West445156
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Different insurance companies have different standards for what’s considered a poor driving history. But in general, you can expect your rates to go up by a certain percentage every time you file a claim with your insurer for an at-fault accident. These increases can stay on your policy for up to three years.[6]

An at-fault accident pushes average car insurance rates in Springfield to $141 per month for liability only. Here are average quotes for Springfield drivers with at-fault accidents on their records.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA6735
State Farm8041
Allstate10957
GEICO12062
American Family13772
Safeco16374
Progressive17390
Travelers175105
Nationwide181101
Clearcover18794
Shelter198103
Auto-Owners201104
Direct Auto252120
State Auto265104
Liberty Mutual270119
GAINSCO273114
AssuranceAmerica276136
The General328135
Dairyland429139
Bristol West457160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Alcohol impairs your reasoning, thinking, and muscle coordination, making it incredibly dangerous to drive under the influence. Roughly 31% of all car crash fatalities in the U.S. involve some sort of drunk driving, according to NHTSA data.[7]

If you’re caught driving under the influence in Missouri, you’ll face a fine of up to $1,000, up to six months in jail, and have your license suspended for 30 days. Depending on your insurance company, you can expect to see your rates go up, and some insurers may even cancel your policy. Average rates for Springfield drivers with a DUI are $339 per month for full coverage and $160 for liability only.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA8142
State Farm9750
Allstate13068
GEICO14374
American Family16385
Safeco17781
Clearcover18895
Progressive198103
Shelter202105
Travelers206124
Nationwide214119
Auto-Owners237122
State Auto288113
Direct Auto290138
Liberty Mutual299132
AssuranceAmerica312155
GAINSCO332138
The General378156
Foremost444211
Dairyland501163
Bristol West546192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Your car insurance rates begin to decrease around age 35, but they increase again starting at age 70. Drivers older than 70 are at higher risk of fatal auto accidents than middle-age drivers.[8] Seniors can save on insurance by enrolling in an approved defensive driving course and taking advantage of multi-policy discounts.

Senior drivers in Springfield see average car insurance rates of $133 for full coverage and $63 for liability only.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA2714
State Farm2815
Allstate4322
GEICO4624
American Family4926
Progressive5126
Shelter5629
Nationwide6034
Travelers6740
Safeco6931
Auto-Owners7338
Clearcover9146
Direct Auto9345
AssuranceAmerica9849
Liberty Mutual10144
GAINSCO12753
The General14359
Dairyland17858
Bristol West18665
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers pay the most for auto insurance, and that’s largely because they have crash rates nearly four times higher than drivers older than 20. Their lack of experience behind the wheel often means they often don’t know how to respond to driving hazards.[9]

Teens can save on auto insurance by taking advantage of a good student discount for maintaining at least a B average. Companies like State Farm and USAA offer policies designed to help teen drivers save on insurance. It’s also a good idea to opt for a safer car and to stay on your parents’ insurance to get the most affordable rates.

The average monthly cost of full-coverage car insurance for Springfield teens is $375. Minimum coverage averages $178 per month, according to Insurify data.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA2714
State Farm2815
Allstate4322
GEICO4624
American Family4926
Progressive5126
Shelter5629
Nationwide6034
Travelers6740
Safeco6931
Auto-Owners7338
Clearcover9146
Direct Auto9345
AssuranceAmerica9849
Liberty Mutual10144
GAINSCO12753
The General14359
Dairyland17858
Bristol West18665
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Springfield

Springfield drivers can expect to pay an average of $158 per month for liability-only coverage and $246 per month for a full-coverage policy. Here are the best ways to save on auto insurance:[10]

  • Choose a safe vehicle. Many insurance companies will give you a discount for choosing a car with certain safety features. If you’re in the market for a new car, check the safety rankings to see how it compares to other vehicles.

  • Improve your credit score. Improving your credit score could help you get lower rates on auto insurance. It’s a good idea to check your credit report regularly to ensure the information is accurate.

  • Bundle your insurance. Most insurance companies will give you a discount if you purchase multiple policies from them. For example, you can bundle your homeowners insurance, renters insurance, and life insurance with your auto insurance for a discounted rate.

  • Talk to an insurance agent. An insurance agent can explain your coverage options, answer your questions, and help you find the best rate on auto insurance.

  • Shop around. Every insurance company has its own method of determining rates, so the best way to save is by shopping around among different insurers.

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Springfield car insurance quotes by credit tier

Most states, including Missouri, allow insurance companies to consider your credit score when you apply for auto insurance. Insurance companies use an insurance-based credit score, which is a rating based on your credit information.[11]

A poor credit score indicates to insurers that you’re more likely to file an insurance claim. As you can see in the chart below, Springfield drivers with excellent or good credit scores pay the lowest rates for insurance.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Springfield?

Car insurance costs in Springfield are a mixed bag. While the city's full-coverage average of $203 per month is less than the state average, its average liability rates are on par with state-level costs.

Your ZIP code plays a big role in how much you pay for insurance, and drivers that live in large cities can expect to pay more than drivers in rural areas. St. Louis, Florissant, and Kansas City are some of the most expensive cities for insurance in Missouri.

More cities in Missouri

When it comes to purchasing auto insurance, Springfield is one of the most affordable cities in Missouri. The table below outlines how Springfield stacks up to average monthly rates in other cities in the Show-Me State.

CityFull CoverageLiability Only
Columbia$202$85
Independence$258$116
Jefferson City$190$77
Kansas City$269$126
St. Louis$325$160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Springfield car insurance FAQs

If you’re shopping for car insurance in Springfield, Missouri, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.

  • How much is car insurance in Springfield?

    Car insurance in Springfield, Missouri, averages $203 per month for full coverage and $96 per month for liability-only coverage, according to Insurify data.

  • What are the cheapest car insurance companies in Springfield?

    USAA has the cheapest car insurance rates in Springfield, with liability-only policies as low as $26 per month. Springfield drivers can also find affordable rates from the city's second- and third-cheapest insurers, State Farm and Allstate, which have liability-only rates averaging $31 and $42, respectively.

  • What are the best car insurance companies in Springfield?

    One of the best car insurance companies in Springfield is State Farm. It has affordable rates, above-average J.D. Power ratings, and an AM Best financial strength rating of A++ (Superior). Other top insurers in Springfield include Allstate and USAA.

  • Can you get car insurance without a license in Missouri?

    Yes. It’s possible to get car insurance without a license in Missouri. Depending on the insurance company, you may need to list the name of the primary driver on the policy instead of yours. Your insurer may also list you as an excluded driver on the policy, which means if you drive the car illegally without a license, your insurer won’t cover any claims you may file if you’re in an accident.

  • What types of car insurance are required in Missouri?

    Drivers in Missouri are legally required to carry $25,000 per person and $50,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability. Driving without these minimums in Missouri could lead to jail time, fines, and license suspension.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Springfield Police. "Traffic Services Statistics." Accessed March 12, 2024
  2. Missouri Department of Revenue. "Insurance Information." Accessed July 18, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 18, 2023
  4. National Highway Traffic Safety Administration. "Speeding." Accessed July 18, 2023
  5. Missouri Department of Revenue. "Tickets and Points FAQs." Accessed July 18, 2023
  6. Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed July 18, 2023
  7. National Highway Traffic Safety Administration. "Drunk Driving." Accessed July 18, 2023
  8. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed July 18, 2023
  9. Insurance Institute for Highway Safety. "Teenagers." Accessed July 18, 2023
  10. Insurance Information Institute. "How to save money on car insurance." Accessed July 18, 2023
  11. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed July 18, 2023
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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